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Two Essential New Treatises for Representing Homeowners Now Available

NCLC has just released two all-new and important treatises in print and on the NCLC Digital Library: Mortgage Servicing and Loan Modifications and Home Foreclosures. This article describes their content, how to read Chapter 1 for free, and the treatises’ inclusion in certain existing NCLC subscriptions at no charge.

Key Post-Henson Decision Holds Debt Buyer Is a "Principal Purpose" Debt Collector

The Supreme Court in 2017 ruled debt buyers do not fall under the FDCPA’s second definition of a debt collector—one who regularly collects debts owed to another. As discussed here, the Third Circuit in Barbato has just found a debt buyer covered under the FDCPA’s principal purpose definition, concluding that FDCPA coverage does not require a debt buyer to engage in overt collections.

New Supreme Ct. Opinion Supports Challenges to Excessive State & Local Government Fines

The Supreme Court has just imposed the Eighth Amendment’s Excessive Fines Clause on the states, recognizing that the clause is a shield against government’s using high fines for revenue-generating purposes. This article explains that the opinion will surely be used to challenge the rising fines imposed by state and local governments and their impact on low-income defendants.

Tax Filers Face New Problems This Year

This article provides tips on advising lower income consumers on the many changes this tax season—including increased refund delays, increased problems with RACs, RALs, and paid tax preparers, growing use of private collection of IRS debt, and new requirements to renew ITINs. Also included are pointers on dealing with unaffordable taxes.

Consumer Law Changes Taking Effect in 2019

This article lists federal and state consumer law changes scheduled to become effective in 2019. That is, the listing includes consumer law changes enacted in 2018 or earlier, but scheduled to go into effect in 2019.

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